Hoerner-Bank Aktiengesellschaft SWIFT/BIC code

SWIFT/BIC code of Hoerner-Bank Aktiengesellschaft

The 8-character code HOEBDE61 and the full code HOEBDE61XXX refer to the same bank: Hoerner-Bank Aktiengesellschaft, with its head office in Heilbronn. A BIC does one job: it makes sure that money from abroad ends up at the right bank. In daily life you mostly come across the code on invoices from abroad, in your banking app and in the bank details of Hoerner-Bank Aktiengesellschaft customers.

On this page we explain what the code is put together, when it matters and which other details you need for a transfer to or from Hoerner-Bank Aktiengesellschaft. The SWIFT code on its own does not identify an individual account holder; for that you need the IBAN or account number is for.

Getting paid from abroad into a Hoerner-Bank Aktiengesellschaft account

For a transfer from abroad into your account at Hoerner-Bank Aktiengesellschaft, the person paying you has to have more than the BIC. Share your name as the bank knows it, your account number or IBAN, the BIC HOEBDE61XXX and your address, which some banks require.

It helps to add the bank name and Heilbronn as well, since some forms ask for it. Double-check every detail before you share them, because the sender’s bank usually copies them as is.

The amount you receive can be less than the amount sent. Intermediary banks may deduct a fee, and when currencies differ, an exchange rate margin applies. Agree with the sender who covers the fees before the money is sent.

Choosing between the 2 SWIFT codes of Hoerner-Bank Aktiengesellschaft

Hoerner-Bank Aktiengesellschaft has 2 separate SWIFT/BIC codes across 1 cities. One of them is the head office code, HOEBDE61XXX; the rest identify branches.

Usually you do not need to look up a branch: transfers addressed to HOEBDE61XXX reach Hoerner-Bank Aktiengesellschaft correctly. A branch code only makes sense when the recipient’s bank specifically mentions it.

Unsure which code applies? Check with the recipient, or look at a recent statement from Hoerner-Bank Aktiengesellschaft. Branch codes are more prone to change than HOEBDE61XXX when a bank merges or closes offices.

Protect yourself against fake payment requests

Scammers regularly use payment requests with new bank details, sometimes in an email that looks completely genuine. The fact that HOEBDE61 exists is no guarantee that the account is genuine – fraudsters use real bank codes as well.

Always verify a change of bank details through a phone call. Pressure or secrecy tend to be red flags – a real supplier can wait a day. When money was sent to a fraudster, call your bank right away.

Fraud can also work the other way. Someone sends too much and asks you to return the extra. Wait until the money has really arrived.

Sending EUR to Hoerner-Bank Aktiengesellschaft

Germany uses the Euro, code EUR. When you pay money in a different currency, the amount has to be converted at some point. Each conversion costs the amount.

Which bank converts the money makes a difference: every bank has its own margin. In many cases you pay less to send EUR directly via a provider that converts near the mid-market rate rather than letting the receiving bank convert.

The rate for EUR fluctuates constantly and quotes are often valid only for a short time. With bigger transfers, even seemingly small gap in the rate can be worth more than the fee.

Transfer times and tracking a payment to Hoerner-Bank Aktiengesellschaft

How quickly a transfer arrives at Hoerner-Bank Aktiengesellschaft depends on several factors: the currency, the number of banks in between, daily processing deadlines and differences in time zone. Weekends and public holidays in the sending or receiving country can add a day or more to the journey. Occasionally a bank wants to know what the payment is for, which can hold things up.

If the money seems delayed, contact your bank for the tracking status and the transaction reference; with that reference banks can see where the payment is. Money transfer services often provide a status in their app showing how far the money has got.

If a payment has not arrived within the expected time, the sender needs to contact their own bank rather than Hoerner-Bank Aktiengesellschaft. Ask the sender for a copy of the payment confirmation; that often settles the question quickly.

Paying someone abroad from your Hoerner-Bank Aktiengesellschaft account

What you pay for a payment abroad is made up of several parts – not just the fee on your screen. On top of the transfer fee, correspondent or intermediary banks can deduct a fee, and if currencies are converted the bank usually applies a rate that is less favourable than the actual market rate.

The markup on the rate tends to be the largest item, and it is easy to miss. Compare their rate against the mid-market rate – the rate you find on financial news sites.

For a lot of routes, a transfer service turns out to be cheaper than a traditional bank transfer, mainly because of the exchange rate. On GoldexPay you can compare the amount that arrives across providers. Choosing a specialist does not mean closing your account at Hoerner-Bank Aktiengesellschaft.

What the XXX in HOEBDE61XXX means

A SWIFT code is built from a few fixed parts: the first four letters stand for the bank, the next two give the country and the two after that indicate the location. That gives you HOEBDE61.

Many payment forms work with either length. If yours asks for eleven characters, use HOEBDE61XXX; if it wants eight, use HOEBDE61.

Type the code as one block, in capitals and without separators, exactly as shown here. Watch for O versus 0 and the letter I and the digit 1.

How to check HOEBDE61 before you pay

The most reliable place for the right code remains paperwork issued by the bank. Compare it against HOEBDE61 here.

Mistakes in the SWIFT code tend to be annoying rather than disastrous: often the payment comes back, minus fees. A mistake in the IBAN or account number is a bigger problem, because the money may be credited to someone else.

Most online banking apps check the format of IBANs. Some banks now check the payee name with the account before you confirm – do not ignore a mismatch warning. When you pay someone new, many people start with a small test amount.

Where our SWIFT data comes from

We gather SWIFT/BIC codes from public sources and update our list regularly. Still, banks merge, rename themselves or change codes and our data may lag behind. The figures on this page are based on what is in our directory, not official figures from Hoerner-Bank Aktiengesellschaft.

Before any payment that matters, always confirm the BIC with Hoerner-Bank Aktiengesellschaft or with the recipient. GoldexPay is a comparison site and not affiliated with Hoerner-Bank Aktiengesellschaft. Found outdated information? Tell us via our contact form.

SEPA payments and the Hoerner-Bank Aktiengesellschaft BIC

Since Germany is in SEPA, a euro payment to Hoerner-Bank Aktiengesellschaft from within the SEPA area normally only needs the IBAN. Many banks no longer ask for the BIC for these payments or fill it in for you.

For anything other than euros and for senders outside SEPA, HOEBDE61XXX remains part of the payment details. If your banking app asks for the BIC regardless, entering HOEBDE61 is fine.

Instant euro transfers are increasingly supported within SEPA. As long as the payment stays in euros, a SEPA transfer tends to be inexpensive; costs rise once a conversion is involved.